No Result
View All Result
Eye of the Flyer
  • BANK & Travel Cards ★
    • Credit Cards
    • CardMatch™
    • Eye of the Flyer Recommended Cards
    • Best Welcome Offers
    • Travel Rewards Cards
    • Airline Credit Cards
    • Hotel Credit Cards
    • Cash Back Credit Cards
    • No Annual Fee Credit Cards
    • Small Business Credit Cards
    • Gas Rewards Cards
    • Balance Transfer Cards
    • Student Credit Cards
    • Visa Credit Cards
    • Mastercards
    • Bad or Poor Credit
    • No Credit or Limited Credit
    • Secured Cards
  • CardMatch™
  • Cruises
  • Rookie
  • Elite Mileage Runs
  • Merchandise
  • αbout US ✉
  • BANK & Travel Cards ★
    • Credit Cards
    • CardMatch™
    • Eye of the Flyer Recommended Cards
    • Best Welcome Offers
    • Travel Rewards Cards
    • Airline Credit Cards
    • Hotel Credit Cards
    • Cash Back Credit Cards
    • No Annual Fee Credit Cards
    • Small Business Credit Cards
    • Gas Rewards Cards
    • Balance Transfer Cards
    • Student Credit Cards
    • Visa Credit Cards
    • Mastercards
    • Bad or Poor Credit
    • No Credit or Limited Credit
    • Secured Cards
  • CardMatch™
  • Cruises
  • Rookie
  • Elite Mileage Runs
  • Merchandise
  • αbout US ✉
No Result
View All Result
No Result
View All Result

American Express® Gold Card Refresh: Full of Changes for Foodies

Chris Carley by Chris Carley
July 26, 2024
in Credit Cards
4
Let’s Talk OFF THE RECORD

Off the Record in Washington, D.C.

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

We heard rumors of a major rewards card refresh last week and it became a reality. Most of the changes deal with food. Is the news sweet and savory? Or does it put a bad taste in your mouth? Let’s go over everything!

(Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.)

The American Express® Gold Card earns Membership Rewards points, which can help pay for or offset great vacations and other trips.
The American Express® Gold Card

American Express® Gold Card Refresh

We’ll break down each change and then go over what’s remaining.

Annual Fee Hike

Let’s get the hard part over first: the American Express® Gold Card raised its annual fee from $250 to $325 (See Rates and Fees). However, Amex added a couple of statement credit benefits (because, of course, they did). The $75 hike doesn’t hurt too much if you can take advantage of those. In fact, you can really come out ahead. Otherwise, this could easily be a deal breaker for some people. We’ll address that in a minute.

Up to $100 Resy Statement Credit Credit (U.S. Restaurants Only)

Resy is an online restaurant reservation platform similar to Open Table. It also allows members to pay their tabs through the Resy app.

Amex Gold Card members can earn up to $50 in statement credits semi-annually (January through June, then July through December) for eligible U.S. Resy restaurant purchases.

“What’s an eligible Resy purchase?” you might ask. Per Amex:

Eligible Resy purchases include purchases made directly from U.S. restaurants that offer reservations on Resy.com and the Resy app, and purchases made directly on Resy.com or in the Resy app. Restaurants must be live on Resy.com or the Resy app at time of purchase to be eligible for the statement credit and are subject to change at any time. Purchases made via Resy Pay, purchases of Resy OS restaurant management software, and Resy-branded American Express® Gift Cards are not eligible. Gift cards purchased at restaurants also may not receive the statement credit.

So, look up a restaurant in the Resy app or Resy site. Use your Amex Gold Card to pay the bill. You should see a statement credit within a few weeks.

Enrollment is required, even for existing cardholders. I used the Amex app to enroll, which took about ten seconds.

Sushi at Katsuya in Brentwood, California. This meal's check was paid with the Inkind app.

Up to $84 Dunkin’ Statement Credit (U.S. Restaurants Only)

Amex Gold Card members can earn up to $84 in statement credits each year (up to $7 monthly) for eligible purchases at Dunkin’ locations in the United States.

You might not receive the credit if you pay at a Dunkin’ inside another business (like a gas station) or at a pop-up location. Gift card purchases are also expressly ineligible.

Again, enrollment is required. Don’t get your glazed donut and iced coffee before enrolling your card!

Changes to the Monthly Dining Credit

You can earn up to $120 in statement credits each year (up to $10 monthly) for eligible purchases made at select food and beverage merchants. The participant list gets some changes every couple of years. Milk Bar and Shake Shack are no longer eligible for the credit — but Five Guys is. That means the current roster is:

  • Grubhub
  • The Cheesecake Factory
  • Goldbelly
  • Wine.com
  • Five Guys

You guessed it: enrollment is required.

Dinner at Prison Hill Brewery & Restaurant in Yuma, Arizona.
Dinner at Prison Hill Brewery & Restaurant in Yuma, Arizona.

Restaurant Earnings Get Capped

The Amex Gold Card earns 4X Membership Rewards® points per dollar spent at restaurants worldwide, including takeout and delivery in the U.S. But that now applies to only the first $50,000 spent per calendar year. Then it’s 1X. Until this refresh, there was no limit on the 4X.

I know some people who spend $50,000 at restaurants each year. Frankly, they couldn’t care less about their points being capped. (And they usually pay with a black card or The Platinum Card® from American Express because they wouldn’t be caught dead using something else, even if the points earnings are significantly better.)

This change stinks for some people who spend $50,000 on dining during a year only a few times (if that) during their lives. Those expenses are usually very limited to events such as weddings or bar/bat mitzvahs.

If this is a dealbreaker but you have a partner or spouse, have them get an Amex Gold Card, too. Then your cumulative limit is $100,000 per year ($50k per account). I look forward to meeting you for dinner! 😉 )

Welcome Offer

The Amex Gold Card offers 60,000 bonus Membership Rewards® points after you spend $6,000 on eligible purchases on the card within six (6) months of being approved for card membership. Terms apply. You can learn here how to apply for this offer.

Use the American Express® Gold Card's monthly dining credit at The Cheesecake Factory (enrollment required).
You can use the American Express® Gold Card’s monthly dining credit at The Cheesecake Factory. (Enrollment required).

Here’s What’s Staying

Several features and benefits weren’t affected.

Points Earnings

These earnings remain.

  • 4X at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X on flights booked directly with airlines or at amextravel.com
  • 2X on prepaid hotel bookings at amextravel.com
  • 1X points on all eligible purchases

Again, the key change is that restaurants worldwide (including takeout and delivery in the U.S.) still earn 4X but only on up to $50,000 per calendar year in purchases, then 1X

Travel Features

The Uber Cash and Hotel Collection benefits remain:

  • $120 Uber Cash: Enjoy up to $120 in Uber savings on rides or eats orders in the U.S. annually, distributed as $10 monthly. Uber Cash is available to the primary cardholder only. (Enrollment is required. Terms apply. Uber Cash deposits are made monthly and expire if not used. To receive this benefit, you must have downloaded the latest version of the Uber App. An Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. The Amex benefit may only be used in the United States.)
  • Up to $100 The Hotel Collection Credit: Earn up to $100 in experience credit toward eligible charges with a minimum two-night stay when you book The Hotel Collection through American Express Travel. (Eligible experience credit varies by property.)

The American Express® Gold Card earns Membership Rewards points, which can help pay for or offset great vacations and other trips.

My Take

The “coupon book” model that American Express is spreading across most of its premium cards is getting a little old. That said, I don’t mind most of the changes and will keep my Amex Gold Card (at least for another year).

Here’s why it works for me. But it might be entirely different for you (and I’d love to hear your thoughts in the below Comments section).

First, let’s look at the Resy credit. I can easily earn back the $100 yearly, but I live in a major city where several restaurants participate in Resy. But the Resy credit probably does nothing for people outside major metropolitan areas. If they travel to big cities a couple of times each year and can find a Resy restaurant they like or want to try, then the benefit might be worth it. Otherwise, I see this as a dealbreaker for at least some people.

I couldn’t care less about the Dunkin’ credit. I don’t even know where there’s a Dunkin’ location near me. I see them from time to time when I’m driving somewhere. But I also live on the West Coast. Dunkin’ is more of a Mid-America and East Coast thing (at least, I think so).

Monthly dining credit-wise: I almost always use my $10 for Grubhub or The Cheesecake Factory. Losing Milk Bar and Shake Shack isn’t a big deal for me. But, again, I couldn’t tell you where there’s a Five Guys near my house. And when I travel, I tend to eat at restaurants that aren’t close to where I live.

I wish I could complain about the 4X dining earnings being capped at $50,000. At first, it’s like, How dare they limit the earnings! But I don’t come close to spending that on dining out or ordering in.

I have the Rose Gold version of the card. It’s fine. The White Gold does absolutely nothing for me.

All said and done, I don’t love the $325 annual fee, but I can still make it work. (See Rates and Fees)

What do you think about the Amex Gold refresh?

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Previous Post

Huge Change for Frequent Floaters – Full Steam Ahead for a New Home Port!

Next Post

Watch DOT Chief Pete Buttigieg Read Mean Tweets About Delta

Chris Carley

Chris Carley

Chris Carley is the owner, editor, and lead writer of Eye of the Flyer (formerly known as Rene's Points).

Next Post
Pete Buttigieg reads mean Tweets about Delta Air Lines

Watch DOT Chief Pete Buttigieg Read Mean Tweets About Delta

Comments 4

  1. Greg says:
    10 months ago

    Weak sauce – funny a WSJ article was trying to claim the ‘excitement’ of this refresh would support the stock

    Reply
  2. Evan says:
    10 months ago

    I can see how these changes will be received very differently depending on where in the United States you live. I’m in one of the main cities in Ohio where we have 1) lots of Dunkin (I do drink their coffee periodically), 2) A handful of good Resy restaurants, and 3) Five Guys (which I don’t really eat but it’s there). So I’ll probably come out ahead on this. But if you’re in California, I get it’s a different story.

    And the $50K cap on 4x restaurants… yeah whatever lol

    Reply
    • Ben says:
      10 months ago

      I look at the $50k cap on restaurants the same as the $500k limit on 5x airfare with the platinum…I don’t think I’ll care whenever I end up hitting that cap.

      Reply
  3. Rob says:
    10 months ago

    I’m pretty happy with the AmEx cards I carry and just have never been real interested in the Gold. With these changes, I’m even less interested in it.

    I feel like I’m missing something, because other people usually seem real excited about the Gold. I just don’t see it being competitive against other cards in any of the spend categories that Gold rewards.

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

➤ Search Eye of the Flyer

No Result
View All Result

Subscribe

Subscribe To Our NewsletterJoin our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

GREAT Travel and Cash Back Card Offers for Spring 2025!

Eye of the Flyer may receive a commission from the links below. See our Privacy Policy

See some of the biggest and best offers now!
Chase Sapphire Preferred® Card CardBIGGEST EVER OFFER! Earn 100,000 bonus points after you spend $5,000 in purchases within three (3) months of being approved for the Chase Sapphire Preferred® Card! (Learn here how to apply. All information about the Chase Sapphire Preferred® Card was gathered independently by Eye of the Flyer. It was neither provided nor reviewed by the card issuer.)
Capital One Venture X Business
Capital One Venture X Business: Earn 150,000 bonus miles once you spend $30,000 on eligible purchases within three (3) months of being approved for card membership. Then, earn an additional 200,000 miles after you spend a total of $200,000 within the first six (6) months. That's a total of 350,000 miles. Learn here how to apply.

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card: Earn 185,000 bonus Marriott Bonvoy points after you spend $6,000 in eligible purchases on the card within six (6) months of being approved for card membership. (Terms Apply. This offer expires on May 14, 2025.). Read more and learn here how to apply.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card: Earn 75,000 Miles once you spend $4,000 on eligible purchases within three (3) months of being approved for card membership. Plus, receive a one-time $250 Capital One Travel credit in your first cardholder year. Learn more here.

 

American Express® Business Gold Card

American Express® Business Gold Card: Earn 100,000 bonus Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first three (3) months of being approved for card membership. Plus, enjoy a 0% introductory APR for the first six (6) months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR. (See Rates & Fees) Terms apply.. Learn more here.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express: Earn 150,000 bonus American Express® Membership Rewards® points after you spend $20,000 on eligible purchases on the card within the first three (3) months of being approved for card membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card within the first 3 months of Card Membership. You can earn one or both of these offers. This offer expires on June 30, 2025. Terms apply.. Plus, enjoy select airport lounge access, statement credit opportunities galore, and more! Read here why we love this card.

 

Eye of the Flyer partner offer!CardMatch™CardMatch™
Offers may not be available to all users.

Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Eye of the Flyer with appropriate and specific directions to the original content.

Subscribe

Subscribe To Our NewsletterJoin our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

Resources

  • ✍ Editors Disclaimer
  • 💰 Advertiser Disclosure
  • 🔒 Privacy Policy
  • BANK & Travel Cards ★
  • CardMatch™
  • Cruises
  • Rookie
  • Elite Mileage Runs
  • Merchandise
  • αbout US ✉

Copyright © 2025 Eye of the Flyer. All Rights Reserved.

No Result
View All Result
  • BANK & Travel Cards ★
    • Credit Cards
    • CardMatch™
    • Eye of the Flyer Recommended Cards
    • Best Welcome Offers
    • Travel Rewards Cards
    • Airline Credit Cards
    • Hotel Credit Cards
    • Cash Back Credit Cards
    • No Annual Fee Credit Cards
    • Small Business Credit Cards
    • Gas Rewards Cards
    • Balance Transfer Cards
    • Student Credit Cards
    • Visa Credit Cards
    • Mastercards
    • Bad or Poor Credit
    • No Credit or Limited Credit
    • Secured Cards
  • CardMatch™
  • Cruises
  • Rookie
  • Elite Mileage Runs
  • Merchandise
  • αbout US ✉

Copyright © 2025 Eye of the Flyer. All Rights Reserved.

Cleantalk Pixel
No Result
View All Result
  • BANK & Travel Cards ★
    • Credit Cards
    • CardMatch™
    • Eye of the Flyer Recommended Cards
    • Best Welcome Offers
    • Travel Rewards Cards
    • Airline Credit Cards
    • Hotel Credit Cards
    • Cash Back Credit Cards
    • No Annual Fee Credit Cards
    • Small Business Credit Cards
    • Gas Rewards Cards
    • Balance Transfer Cards
    • Student Credit Cards
    • Visa Credit Cards
    • Mastercards
    • Bad or Poor Credit
    • No Credit or Limited Credit
    • Secured Cards
  • CardMatch™
  • Cruises
  • Rookie
  • Elite Mileage Runs
  • Merchandise
  • αbout US ✉

Copyright © 2025 Eye of the Flyer. All Rights Reserved.